Payments, Reimagined

A self-custody wallet that makes international transfers as easy as sending a text.

Beta Launch: November 1, 2024

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Why Monie?

Discover the unique features that set us apart.

🚀

You're the Boss

Self-custody means you have full control, always. No more stuck payments.

🎨

Simplicity is our Superpower

So simple, your grandmother could use it. Perfect for first-time crypto users.

🛡️

Fort Knox Security

Split-key technology and foolproof recovery keep your assets safe.

Our Vision

Learn more about Monie

Product

  • Eliminates payment delays and stuck transactions
  • Simplifies bill splitting for international travelers
  • Reduces fees associated with cross-border transfers
  • Provides a stable currency option for users in high-inflation economies
  • User-friendly interface suitable for both beginners and experienced users
  • Enhanced security measures with an intuitive recovery system
  • Integrated transaction categorization and financial reporting
  • Combines the advantages of blockchain with the convenience of modern banking apps
  • Contribute to making crypto better and solving real-world problems
  • Priority access to the latest features
  • Reduced rates for premium packages and special features
  • Direct line of contact with the founders
  • Reserved spot on our wall of fame

Technical

Monie leverages split-key MPC technology to eliminate single points of failure, ensuring robust security for your assets.

  • Self-custody: You're always in control of your funds
  • Multi-party computation (MPC) for enhanced key security
  • Open source codebase with regular third-party security audits

Why You Can Sleep Well at Night

Multi-factor Security

Your private key is split into two shares for enhanced protection:

  • One share is stored on your device's secure enclave
  • The other share is stored on a secure Cloud Signer running in a Trusted Execution Environment

Benefits:

  • The Cloud Signer adds a second layer of security without giving a third party access to your funds
  • You can set daily limits that only you can change
  • Better protection if your device is lost or stolen
  • No single weak point in key management
  • Stronger defense against hacking attempts

No Seed Phrase Vulnerability & Secure Backups

Unlike traditional crypto wallets, you never need to write down or remember a seed phrase. Instead:

Your key share backup is split into two parts:

  • A decryption key that only you control, stored on your Google Drive or iCloud account (or downloaded as a recovery kit)
  • Your encrypted key share, securely uploaded to Monie's recovery servers

Important: You're the only one who can access both parts at the same time. You can verify this in our open-source code.

Why this matters:

  • No risk of losing funds due to misplaced or stolen seed phrases
  • User-friendly: No complex recovery phrases to manage
  • Multiple backup options ensure you never lose access to your funds
  • Your privacy is protected through encryption

With Monie, you get robust security without the complexity of traditional crypto wallets.

Backup Process

  1. 1

    Key Generation: The Monie App creates a secure, on-device decryption key.

  2. 2

    Encryption: Your key share, safely stored in your device's secure enclave, is encrypted using this decryption key.

  3. 3

    Secure Storage: The decryption key is securely stored using one or more of Monie's backup options:

    • Your Google Drive account
    • Your iCloud account
    • A downloadable recovery kit
  4. 4

    Server Backup: The encrypted key share is safely backed up to Monie's recovery server.

Recovery Process

  1. 1

    Initiation: Start the recovery by logging into Monie and verifying your identity.

  2. 2

    Key Retrieval: The Monie App securely downloads your decryption key from your chosen backup location (Google Drive, iCloud, or your recovery kit).

  3. 3

    Decryption: Your encrypted key share is retrieved from Monie's servers and decrypted using the retrieved decryption key.

  4. 4

    Access Restored: You regain full access to your wallet and funds.

At Monie, we prioritize two key aspects when it comes to blockchain support:

  • Offering a diverse range of chains to provide our users with optimal liquidity, fees and currency options
  • Implementing sensible defaults and simplifications to ensure the best possible user experience

We support leading blockchains and layer-two networks, including:

  • Bitcoin
  • Ethereum
  • Solana
  • Base
  • Arbitrum
  • Optimism
  • Polygon
  • And more!

Our goal is to provide you with a seamless experience across multiple chains while keeping things simple and user-friendly. As the blockchain ecosystem evolves, we'll continue to expand our support to meet your needs.

Be a Pioneer

Join our beta and help shape the future of international payments. Your voice matters in our journey.